Date Received: 2020-03-22
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Despite paying $ XXXX in settlement regarding this issue a few years ago, USBank continues to improperly, if not illegally, re-sequence items ( i.e., checks, auto-drafts, debit card transactions, etc. ) from largest to smallest to maximize overdraft fees. On several occasions over the past few months, I have checked my account online at close of business to verify that I had funds available. However, by re-sequencing items overnight, the bank charges of {$36.00} per item resulted in items being returned instead of paid. The total damage just in the past several weeks has been hundreds of dollars. This damage is exacerbated by the recent, ongoing COVID-19 crisis and my complete loss of income for the foreseeable future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage account with US Bank. I have had this account for over 5 years. I have never missed a payment on this account. I have paid my mortgage on the XXXX friday of every month for the last 65 months. Being that interest are at a all time low i decided to refinance my mortgage. While in the process of refinancing my mortgage US Bank now say that i owe them {$2100.00} in late fee 's. Of all my financial commitments over the years i have never heard of such and outrageous amount of any fees on any account. As i remember when i did the loan i remember on the application US Bank asking of my race. I really think that by me indicating that i am XXXX or XXXX XXXX that US Bank is trying to put me into a financial hardship or trying to drive me away due to my race. With todays Pandemic going on around the world and many people now experiencing financial hardships i think it should be know to the world what US Bank is doing to people. Also i would like to recommend to all others that when US Bank ask of someones race its best to not answer. If this was a legitimate amount owed what respectable financial institution would allow 65 late payments in a row unless they were trying to establish a financial hardship upon someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir or Madam : I am a victim of identity theft due to an equifax credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Seven years ago after refinancing my mortgage with USBank they promoted a company called XXXX XXXX who would pull half payments out of my account on the XXXX and XXXX of the month which would shorten the amortization of my mortgage. XXXX XXXX was acquired last year by a company out of XXXX XXXX called XXXX XXXX. It has come to my attention that XXXX XXXX is indeed pulling half payments routinely out of my account on the XXXX and XXXX of each month, however they are only remitting a full payment to USBank once each month, not twice as I was promised. I also received from USBank on XX/XX/2020 a monthly statement from USBank indicating my XX/XX/2020 payment had not been paid and as of XX/XX/2020 I owed two payments. After contacting XXXX XXXX this week they shared with me payments are routinely remitted to USBank between the XXXX-XXXX of the month. So not only is XXXX XXXX not making two half payments to USBank each month, they are collecting full payments and sending them to USBank beyond the XXXX of the month due date. Both are serious issues the could involve thousands of consumers. When I contacted USBank about this they took no responsibility about the program or it's shortcomings even though they promoted this to me. My mortgage balance is higher than it should be due to both of the payments issues, again as is perhaps thousands of mortgages across the country. Finally, XXXX XXXX is charging me {$270.00} for each of the two ACH withdrawals they make monthly out of my account, only to then make the payment late to USBank on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55372
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had previously reported these as fraud : XX/XX/XXXX. XXXX XXXX XXXX. {$1500.00} XX/XX/XXXX XXXX. {$120.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX. XXXX. {$100.00} XX/XX/XXXX. XXXX. {$230.00} XX/XX/XXXX. XXXX XXXX. {$82.00} XX/XX/XXXX. XXXX. {$24.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX. XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX {$94.00} XX/XX/XXXX. XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX. {$77.00} XX/XX/XXXX. XXXX XXXX. {$88.00} Total : {$2700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was locked out of my account. I am unable to see my account info or make payments. I have tried calling many times but have been put on hold for 6 hours. There is no way to contact anyone to restore access to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had a bank account with US BANK with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my US BANK account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to XXXX XXXX XXXX in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XX/XX/XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call US BANK which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid the annual fee on my credit card on XX/XX/2020. A little over a month later the bamnk decided it was going to close my card with no reason given. The account has remained in good standing with no negatives, nor has any negative information appeared on my credit reports. I would like my annual fee back. I contacted the bank asking for a refund for the annual fee and they mailed a letter declining my request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: With the Current COVID ECONOMIC COLLAPSE, i called my mortgage holder, US BANK, they informed me they can place my loan in forbearance, however, it will ruin my credit and all payments will be due in 90 days, in full, no partial payments or my loan will be foreclosed on. I'm XXXX XXXX, and am not allowed to work since we are on lockdown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2020 I tried to go to an ATM here in California. My debit card for my preferred bank did not work so I was going to have to use my " emergency '' card which is through US Bank. I was not sure how much money was in this account so I tried logging into my account to check with my phone. The app denied me access. Despite this, I know I have a line of credit with overdraft protection which was guaranteed to me, verbally, to have no fee when I signed up. This morning I am finally able to login after numerous attempts and see they have charged me {$7.00} for an " Overdraft Protection Fee. '' What? I was told, in person, when I signed up there is not a fee for this service. I called US Bank and after a 30 minute hold spoke with somebody who read me an agreement that indeed lays out a {$7.00} fee for this service. She then confirmed to me that this policy went into effect last year. I asked them to provide any indication of how I was informed of this change in terms from what I agreed to sign up for and they could not provide it. To summarize, they offered me a free product. Then at some point, changed it to a product that is not free. They never informed me of this. Then, they ensure that their online service is so terrible that I couldn't possibly transfer the funds on my own to avoid the fee. Then they milk me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A