Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: According to the attached letter provided by US Bank dated XX/XX/XXXX, US Bank ceased reporting my mortgage on XX/XX/XXXX stating that they received notification of a Bankruptcy filing. However, as US Bank will find attached, the US Bank Mortgage account was re-affirmed and should be reporting in good standing on my credit report from the time US Bank became my servicer until the current date. I am sure that US Bank received these same documents in XXXX of XXXX and may have overlooked or disregarded them. This improper action has caused me financial harm, personal distress, and damage to my credit standing, score, capacity and general character. I believe the reaffirmation documentation attached that was provided by my attorney and that I had to pay extra monies for, should compel US Bank to report my mortgage as legally required by the courts and the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I've been getting a late charge fee for making payments late. My payment is due on the XXXX of each month and I've been making my payment in the beginning of the month. For the month of XXXX, XXXX and now XXXX, I got charged a late fee when I made payments on time. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$30.00}. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$41.00}. I was chatting with customer service to waive the fee for XXXX which they waived. I asked why they charged me when I made a payment on time so they waived the fee. Come XXXX I made the payment on time and I got charged a ate fee of {$41.00}. Come XXXX, now I owe {$130.00} ( {$30.00} late fee for XXXX, {$41.00} late fee for XXXX, plus the minimum payment of {$61.00} which equates to {$130.00} due for XXXX ). When I was chatting to waive the first fee of {$30.00}, I asked if i will be having the same issue for next month and he said no. Then it happened again. I should have never been charged a late fee when I made the payment in the beginning of the month. Customer service told me I got charged a late fee because of when the statement was issued. I bever had an issue with any other cards but this. They said since I made a payment early this is what caused the problem. I don't agree with them because they are making me pay these late fees when I paid my monthly payment on time. If I knew I had to pay my monthly payment on a certain day of the month, then I would never post payment early as i wouldn't want to get charged these late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: XX/XX/2023 US Bank XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX XXXX and XXXX XXXX Consumer Complaint and allegation of fraud by US Bank. XXXX XXXX XXXX XXXX XXXX CO XXXX Acct # XXXX US Bank Home Mortgage, We are appealing your decisions as to options for settlement of our forbearance agreement that we entered when XXXX came in. When customers entered into this agreement, us included, we were promised a variety of options to resume payments and keep our property as XXXX. For two full years I have been submitting applications and calling to discuss how we get a completed package to you for consideration. I could not get a phone call or email back just form letters stating our package was incomplete. If you review call records, you find they will validate my statements here. We categorically reject that the only options you will provide now is to sell our home and will take all actions necessary to stay here should we choose to. US Bank is NOT acting in good faith, and I have repeatedly asked for a client advocate to call me to discuss this. We have assets to resume payments, we just dont have the income. I am a XXXX XXXX who has a XXXX XXXX XXXX XXXX with US Bank that is working its way through the courts now. That case number is XXXX. Unquestionably, the Bank is trying to use our forbearance as leverage in that case. US Banks actions are reprehensible, and I am formally requesting an immediate delay in any foreclosure activities on my home referenced above until the Federal Case is ruled on. I can make a payment in good faith in exchange for a 60-day delay. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am writing regarding my accounts that have been put on hold now since XX/XX/2023. Please be on the lookout for an email from the FDIC. The E-Fraud now has it in their hands, and not only will they not speak to customers they have not responded to the local branch managers email for an update. I do know that they can not just hold onto my money by law. Let me explain my accounts the first one that I was given the account number that is account number # XXXX. This account is an account that not only has my XXXX money, but also my XXXX XXXX money. This money is used to keep us housed and to support my XXXX XXXX. The second checking is an account my school money goes in. My savings account is where the questioning should be at as I know it is a large amount of money. Let me explain, I helped with a job, and she deposited money it was in my chime at the time. XXXX never told me that they suspected fraud. When my account was closed the remaining chime mailed me as a check. I then opened the US Bank account and I was not told when I was paying these employees that sending the wire-transfer in payments would make it suspected of fraud. If I would have been told go to the local branch and send it all then I would have. The person who had me sending payments told me that at the time he was an employee of XXXX XXXX. If you need proof of the original person who deposited the large amount in my chime account I have her name, address, and phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Greetings, I have opened a checking account to consolidate and separate business from personal transactions for ease of documentation. I have made several transfers back and forth due to the consolidation. US Bank closed my account and stated that they would send me a check for the {$5500.00} dollars that was in the account by the end of XX/XX/2023. Not only have I not received the money, but I have been getting the runaround. I called customer service and was told that I needed to go to a branch. Not only was the account opened online, but there is no US Bank branch in Texas. I contacted two branches ; one in Kentucky and one in Ohio, and exchanged calls and emails with both branch managers who told me that they could not give me the money in the branch. Customer service stated that the money is in their XXXX XXXX account and can only be disbursed in a branch. My checking account number is or was : XXXX XXXX XXXX XXXX This has been going on for several months and they are refusing to give me my money. I am reaching out for help in making this right as I desperately need my money. Regards, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Greetings, I have opened a checking account to consolidate and separate business from personal transactions for ease of documentation. I have made several transfers back and forth due to the consolidation. US Bank closed my account and stated that they would send me a check for the {$5000.00} dollars that was in the account by the end of XX/XX/2023. Not only have I not received the money, but I have been getting the runaround. I called customer service and was told that I needed to go to a branch. Not only was the account opened online, but there is no US Bank branch in Texas. I contacted XXXX branches ; XXXX in XXXX and XXXX in XXXX, and exchanged calls and emails with both branch managers who told me that they could not give me the money in the branch. Customer service stated that the money is in their XXXX XXXX account and can only be disbursed in a branch. My checking account number is or was : XXXX XXXX XXXX XXXX This has been going on for several months and they are refusing to give me my money. I am reaching out for help in making this right as I desperately need my money. Regards, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Issue : Missing {$600.00} us bank merchant services account sign-up bonus. Earlier this year back in XX/XX/2023, I had applied for a US Bank Business checking account AND a US bank Merchant Services Account. At the time of opening these account, the business checking account offered a bonus of {$500.00} and the merchant services account offered a bonus of {$600.00}. As per the terms, both bonuses can be clubbed to make a total of {$1100.00} in bonuses. 8 months later and after having met all the requirements I have still not received the {$600.00} merchant services bonus ( I have received the {$500.00} business checking bonus ). I must mention that I have kept the account open all these months and have also been charged {$5.00} for the payment processing device. What I have done to fix this issue : - Contacted US Bank via phone : I have tried contacting us bank more than twice to resolve this issue. Even called XXXX ( Result : Both times, the representatives only transferred me to various other departments but none were able to help me get the {$600.00} bonus even though I have met all the requirements for the bonus. - Contacted a Client Account Manager at US bank via email. This is same account manager that had reached out to me for additional information at the time of account opening. Result : No response After having tried everything in my power to get this bonus and having still not received it, I am forced to file this complaint in hopes of finally getting what I was promised at the time of account opening. Bonus requirements as per the terms : Requirement # XXXX ( Status : Met the requirement ) : You must open a new U.S. Bank Business Checking account and meet the above requirements plus open a new U.S. Bank Payment Solutions MerchanXXXX account by XX/XX/2023 : Met this requirement, opened a Silver Business Checking on XX/XX/2023 and applied for a Merchant services account before XX/XX/XXXX. ) Requirement # 2 ( Status : Met the requirement ) : Accept and settle a transaction into your new U.S. Bank Business Checking account within 60 days. : Met this requirement, Accepted and settled a transaction in first week of XXXX ( XX/XX/2023 ) which is well within the timeframe. Requirement # 3 ( Status : Met the requirement ) : Not have an existing merchant services relationship with US Bank : Met this requirement as I was a new customer Note : I have submitted my merchant account number along with this complaint Attachments : - Screenshot of the offer and the terms - Proof of application submission - Proof of application approval - Proof of one payment processed for {$0.00} which should help meet the requirements of the bonus - Proof of me being charged {$5.00} for the payment processing device each month - Proof of email sent to client account manager along with date All these files have been added to a zip file which has been attached to my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called and asked them to let my account go into overdraft for the time being because payday for me was soon. Then they let my account go into a delinquent status. I never told them to allow charges to be made this way. As in let it get to a delinquent status, they shouldve just declined my card instead of having me think I got paid and had enough money in my card. When I called to ask they just told me it would all be sent to debt collections. They closed my bank account and now I can no longer open a new one because of this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have made many calls to USBank trying to see why they blocked access to my account. USBank teller I spoke with XXXX XXXX I asked to speak to the branch Manager she refused to speak to me is what XXXX XXXX explained to me. I called the USBank number and no response they told me I needed to go to the branch and walk in. Every effort I was unsuccessful. So I looked up the Corp name to contact. Dear XXXX XXXX, XX/XX/2023 I was a client of your US bank for the past four months and held a checking account in your branch on XXXX XXXX XXXX. My understanding was blocked access on XX/XX/2023 I was told that the account had illegal activity. I had sent money ( XXXX. ) through XXXX to my bank account with XXXX XXXX to pay my bills. I went inside the bank and spoke to XXXX XXXX ; she made calls and told me that I had cashed a check that came back returned. I explained I deposited cash, not a check. Due to incorrect information, I inquired with your branch, and they just gave me the runaround. I am sad to say that despite making calls to your branch and the customer-care toll-free numbers, there has been no delivery of my money. They closed my account on XX/XX/2023. I received my letter that they would send my money in a cashier 's check and update me. To this day, I haven't got an explanation as to why. I'm a XXXX individual. I care for a family member with XXXX XXXX. I live off XXXX. My electric bill wasn't paid, and my service would be cut off. I'm at the point where I'm going to file a complaint with FDIC & have the local news look into getting an answer for me. I have been mistreated, and I don't deserve this treatment. I want my money back. The account details are as follows : I request you to look into my case and help me receive my money at the earliest and oblige. Thanking You XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On or about XX/XX/XXXX, I put a refundable {$500.00} deposit on a new vehicle with XXXX XXXX. Because XXXX XXXX was unable to fulfill a new vehicle purchase, I requested a refund on my deposit. Per the dealership ( XXXX ), a full refund was processed. I did not receive any receipt of this refund but the dealership assured me that the refund was processed. After a couple of weeks, I inquired with the dealership because the refund did not show up in my US Bank account. XXXX from XXXX XXXX assured me they processed it but that if it doesn't show up on my account, to contact my bank so they can situate it. Because the refund never showed up, I opened a dispute over the phone with US Bank. Some low performing US Bank employee that has comprehension issues took almost an hour over the phone just gathering information from me and failed to open the dispute properly. He used an incorrect dispute reason, unsure if this is a lack of training or not but I ended up receiving a dispute form and faxed it over on or about XX/XX/XXXX. I then had to go to a US Bank branch to refax it because the form was supposedly never received. As of today, I am being asked for a credit voucher when I clearly never had XXXX from the beginning. I want this transaction credit back to my account, all interest charges credit back to my account, and all late fees credited back to my account. I also want to make sure that any type of notes or status markings on my account reflecting that I paid late need to be removed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A