Date Received: 2020-04-10
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: UNAUTHORIZED NO SIGNATURE HARD PULLS FROM US BANK, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, A FRAUDULENT PULL, AND XXXX DUPLICATED PULLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a checking account open with US bank and was having some issues with making withdrawals from my account after a friend sent me some money. I had an account balance that I needed to transfer in a timely manor for an investment opportunity and they had failed to release my funds to me or make the wire transfer I requested. I have missed out on a lot of investment opportunity because the hold or " investigation '' they put on my account. They said they are closing the account and would mail me a check for the funds in the account which I have not received after two weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I was hit and my car was totaled in XXXX. I had an extended warranty on the vehicle and there was a refund of the unused portion of that warranty. Because there was still a small balance on the loan and the Title was still with U.S. Bank the dealership refunded the unused warranty money to U.S. Bank. I had payed off the loan not knowing the dealership would send the overage to U.S. Bank. U.S. Bank has been over payed for the loan in the a mount of {$2000.00}. The dealership sent a check to U.S. Bank for {$2000.00} on XX/XX/2020. I have called U.S. Bank 15 times about this matter and they continue to tell me that they do not show having received the check. Multiple Bankers and Managers have promised to look into this matter and call me back. To date I have received 0 call backs. The time I have spent trying to resolve this matter can never be recovered. In my opinion U.S. Bank should be trying to resolve this matter but that has not happened. Please HELP. The names and locations of the 15 people and five call centers I have talked to can be provided if you wish.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I recently had to sign up for unemployment, unfortunately the money was loaded onto a 10 year old reliacard that I no longer have. Upon realizing this I attempted to have a a new card issued. On XX/XX/2020 I called the reliacard customer service department where I waited on hold for almost 4 hours only for the line to disconnect. I decided to try again this morning XX/XX/2020 at XXXX. Each time after waiting on hold for 2 hours the line would disconnect. This happened SEVERAL times. While I do understand that in the time of this terrible pandemic things are behind & wait times are long, this company could at least do customers the decency of not just disconnecting calls after having people on hold for hours. I still have no resolution for my card nor can I access my unemployment money so I can pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to reinstate my mortgage with US Bank as it went into foreclosure earlier this year. 1. Around XX/XX/XXXX, I received a statement pictured in the attached image. It listed the reinstatement amount as {$23000.00}. 2. After going through an exhaustive process, exacerbated by my being a XXXX during this pandemic, I was able to just barely amass the needed funds. 3. On Monday XX/XX/XXXX, I spent well over an hour on hold before hanging up, trying to ascertain details as to the amount and if there would be someone there to receive payment. I have phone records that can prove this. 4. On XX/XX/XXXX, having no other alternative, I XXXX XXXX payment to the address provided in the statement ( checks also in the attached image ) figuring it would be close enough. 5. I tried calling again the next day and also hung up after being on the phone for a lengthy period of time. 6. On Monday XX/XX/XXXX, I received a letter in response to my payment along with the cashier 's check for {$14000.00} saying the funds were insufficient. 7. After a more than 2 hour hold, I was able to get through to a customer service representative where I was given the following information : A. US Bank knowingly shredded my personal check, telling me they only accept one check for payment. B. I had to request to get an exact amount for them which would take 7-10 days to receive. 8. I pleaded with the rep and told her that ; A. I had tried to get an exact amount the week before but they failed to adequately cover customer service. B. Accruing additional penalties, while not my fault, would likely obstruct my ability to reinstate the loan. 9. In response she told me ; A. The amount would not be much more than the $ XXXX in the statement. ( I have a recording of this phone conversation to prove my points ). 10. On XX/XX/XXXX, I received a reinstatement quote for more than $ XXXX, a 15 % percent increase. It said it was valid through XX/XX/XXXX. 11. On XX/XX/XXXX, to my horror, I then received another reinstatement quote for more than $ XXXX. I don't even know if I can come up with $ XXXX, an amount that US Bank calculated despite the fact that they were negligent in their response and shredded part of my payment. I also don't know where these extraordinary increases are coming from as my regular mortgage payment is around {$1600.00}. Even if property tax ( $ XXXXmonthly ) and home insurance ( $ XXXX/monthly ) were added, they don't even come near the more than {$3000.00} monthly increases which, in my opinion, amount to usury. This doesn't even mention that I'm also behind in my HELOC payments to them - around $ XXXX currently due - and have no way of knowing whether or not that is separate from this all as I can't get them on the phone to get an answer. I am being punished because US Bank is unable to adequately perform their operations as the law requires and may lose my house as a result of their criminal negligence. Banks are being given bailouts by the federal government and being charged no interest for their debt, yet somehow they are being allowed to evict people from their homes unless their delinquent mortgages are paid along with exorbitant fees. This is beyond unfair. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: My initial complaint ( # XXXX ) was responded to me by US Bank. In their response to me they state in paragraph 2 " This fee would have also been removed if the dealership had purchased the vehicle from US Bank at the end of the lease term. Our records confirm that the dealership did not purchase the lease vehicle, and it was returned to the possession of US Bank. '' ( I have attached a copy of that letter ). I am also attaching a copy of my sales receipt showing that the vehicle was " traded-in '', a copy of the payoff sheet to US Bank, and a copy of the check payment made to them from the dealership. The documentation I provided clearly states that US Bank was not truthful in their correspondence to me and I would expect a refund of the {$20.00} payment that I did make to them in good faith while waiting for reconciliation of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US Bank Home Mortgage has inaccurately reported information to the credit reporting bureaus since at least XXXX of 2019. I have tried repeatedly to resolve this matter and US Bank has not made any effort to correct their inaccuracies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73003
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have had several companies take out unauthorized transactions from my debit account. I filed dispute with us bank regarding the unauthorized transactions and asked if I could complete the dispute paperwork over the phone, as I do not have means to mail or fax at this time. The us bank card member services personnel member berated me over the phone and told me I needed to fill out the paperwork if it was sent to me. When I asked about an alternative to filling out the paperwork she became rude and told me to hold so she could get another team member to talk to me, left me on hold for a long time, then disconnected the call. This is the eighth time I have been hung up on by us bank when trying to handle my disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66030
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: There has been several Credit Transactions That I was charged a gratuity tax on which was never explained to me or made clear when the card was issued to me through Unemployment of PA. I spoke to the Assistant Director XXXX on several occasions who became very abrupt and rude as well. From The beginning, I wanted to use my XXXX XXXX Acct which they screwed up. I ended up using the card and every time I use the card to call and pick up food from XXXX XXXX in XXXX, I get a hefty surcharge tacked onto my total. This has been goingg on for quite some time and I have called and tried to get XXXX Customer Service. I have called more than once, been talked down to and disrespected as well as hung up on, especially when asking for a Supervisor.Not only XXXX, But there are other restaurants they are overcharging me as well with this Gruity Tax Thing.I am not dining in especially due to Corona virus, We are not allowed. On Monday XX/XX/2020, I was charged XXXX for a purchase of XXXX at XXXX. they said that he charge was from XXXX but I called XXXX 2 days ago and they said they would refund the XXXX which XXXX hasn't yet put back on my card. I told XXXX Benefits that I no longer wish to use their service. These People at XXXX are very ignorant, disrespectfulal and rude and I all monies refunded to me or a lawsuit will ensue. I have already contacted State Republican XXXX XXXX Office.I finally got a supervisor on the phone like a day a day ago and she tried to get me off the phone and completely disrespected and ignored my complaint and asked me if I wanted to cancel my card and be transferred to dispute complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to the following violations : UDAAP : Deceptive and abusive practices when servicing the loan, calling in to obtain loan information and location of the loan. Regulation Z - Prompt payment crediting and payoff statements ( 2013 TILA Servicing Final Rule ) and federal law that states that a mortgage servicer is required to provide a payoff within 7 business days. We are far past the 7 business day mark to provide a payoff and errors being fixed. Because the ball was dropped with the loan modification on US Banks behalf and XXXX had no such knowledge of my 2nd mortgage to provide a payoff to us. Also, the paperwork we received is inaccurate if XXXX had no such knowledge of said mortgage. I have several emails of this going back and forth with XXXX. As a result of your negligence, violation of Regulation Z and inability to correct the errors from the onset of our communication with the loss mitigation department within allowable timeframes, Our remediation request is as follows : 2nd Mortgage/Partial Claim amount for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX be released and no longer liable for said debt as there was no payoff that could provided within the 7 business day timeframe or within an understandable timeframe. Additionally, the mortgage was paid and satisfied according to US Banks representatives as of XX/XX/XXXX. Upon relinquishing my name from this debt, a letter to be provided confirming loan paid in full and satisfied sent to me via email. Kind regards, XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Additionally, We filed a complaint with XXXX XXXX Supervisor in the Loss Mitigation department on XX/XX/XXXX and it has been 6 business days since and we have not heard anything from any escalated department regarding our complaint and the regulatory violations we submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A