Date Received: 2023-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or around XX/XX/2023 I sent {$40.00} to my sister n law XXXX XXXX who reside in the XXXX. After sending the money I contacted XXXX to inform her that I sent her the funds she requested from me. She informed me that she no longer needed the {$40.00} I sent her via XXXX. I attempted numerous times to cancel the transaction online in the XXXX website with no succes. Fraudulently their option to cancel through their XXXX website doesn't work. I called and called but I couldn't reach XXXX customer service as they seem to refuse live calls. I then turned my back card off so they could not charge my card. XXXX without authorization charged my second bank card in the amount of {$43.00}. This was theft as I didn't authorize them to charge my card ending in XXXX. The original card ended in XXXX. I also have requested for XXXX to remove my card information from their stored information numerous time and to this date they conditions store my card information. I don't trust them and looking for to resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
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: 2023-11-03
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/XXXX, we discovered that U.S. Bancorp Investments , Inc. had withdrawn funds from our escrow account without authorization to pay property taxes on a property that we don't own. The situation is complicated, as the property is located in a different county than our home mortgage with US Bank. We immediately contacted US Bank to report the error, but they were evasive and unhelpful. We had to take matters into our own hands and contacted the XXXX XXXX Treasurer to prevent the legitimate owner of the parcel from being reimbursed with funds from OUR ESCROW ACCOUNT. Not only did US Bank 's wrongful payment jeopardize the integrity of our escrow account, but it also imposed an unnecessary and unjust financial burden on us. Despite our repeated attempts to contact US Bank, they provided unsatisfactory responses and showed a dismissive attitude towards our concerns. We demand a coherent explanation for this egregious error. On XX/XX/XXXX, we filed a formal complaint with CFPB after more than a week of dealing with US Bank 's failure to provide relevant details. On XX/XX/XXXX, we still hadn't received any documentation about when or HOW US Bank received the incorrect information. It wasn't until we received a phone call from the XXXX XXXX XXXX on XX/XX/XXXX that we learned that US Bank had contacted them requesting reimbursement for the erroneous tax payment. As a licensed real estate agent, we understand the required documentation to close any transaction. We are confident that the missing " legal description '' in the Title Commitment is not the reason for this catastrophic error two and a half years after the loan originated with US Bank. US Bank is trying to place responsibility for the missing legal description, which is unacceptable despite the absence of legally recorded documents validating their claim. The historical snapshot US Bank attached to their response was irrelevant and did not add value to their explanation. We have access to our own US Bank mortgage account, and we are perplexed as to why US Bank paid ONLY on the correct parcel since the loan originated on XX/XX/2021, if they received the incorrect Tax Parcel ID at closing. Why did US Bank wait XXXX years to pay taxes on the additional parcel? When was the wrong parcel added to our account? Why would US Bank allow two properties, especially one without proper documentation, to be associated with one mortgage account? The lack of transparency and accountability that US Bank has demonstrated throughout this ordeal is deeply troubling. They have shown no willingness to accept responsibility for their blatant mistake, which violates our consumer rights and represents a fundamental breach of their fiduciary duty. We insist that US Bank provide the requested documentation that accompanies their explanation for the error instead of blaming it on the missing legal description. If we hadn't reviewed our escrow account carefully, this wrongful payment would have gone unnoticed, allowing U.S. Bank to continue making unauthorized payments without repercussions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98802
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: US bank let others open up new checking and saving accounts under my name without my authorization/identity check. US bank let others deposit the money set to me without my endorsement. US bank doesn't allow me to get the money back. They just hold the money without sharing any instruction how to get the money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US Bank closed ALL my accounts including my business account due to fraudulent activity. I have never committed fraud. What gives them the right to close an account without the owners permission? Due to them closing my accounts so abruptly, I was not able to pay vendors or services that I use for my restaurant. This in turn effected my restaurant negatively. I couldnt get the products I needed to run my restaurant properly. Ive been with this bank for about 7 years, and this is how they treat a loyal customer. They closed ALL my accounts ( business checking, personal checking, savings, credit cards ) all on XX/XX/2023, without a formal explanation of why they were closing them. I spent the last three weeks trying to get my money and Im finally picking up a check for my balances at a local branch XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my XXXX and clarity by XXXX providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Unauthorized debit from my US Bank checking account of {$90.00} paid to XXXX XXXX on XX/XX/2023. I have contacted both XXXX ( XXXX ) as well as US Bank Fraud ( XXXX ) several times. Each says the other is responsible for resolving the issue. XXXX urges me to have US Bank dispute the payment and US bank refuses to submit a dispute saying since it is a XXXX transaction they can not dispute the payment ( I am unclear as to what this is ). XXXX confirmed receipt of payment from routing number and checking account number I provided them and on said date and also confirms my name is not associated with the payment and confirms also they have no account associated with my name and so they are unable to reverse the payment. The XXXX representative with whom I spoke said the payment was made to their subsidiary XXXX XXXX, also an entity with whom I have not ever done business. The culprit is enjoying services purchased with funds from my checking account. And XXXX enjoys revenue from a fraudulent payment. US Bank is supposed to be a steward of my funds responsible for ensuring only legitimate payments are processed. Except they refuse to take responsibility so I seek assistance and advise from CFPB. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63109
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX, I deposited a XXXX check for {$74000.00}. I have the deposit slip. then on XX/XX/XXXX I received my bank statement from US bank ( Bancorp ) for my savings account.. The amount stated above was not applied nor deposited. I called the bank and the statement was the same. I called the local US Bank where I deposited the check and they hemmed and hawed and finally said it was a computer error. I don't believe it.because it would have been on the news like the one that occurred XXXX XXXX,. Then On XXXX XXXX, I went to the bank and they gave me a piece a white paper not USBank stationery and they deposited my money on XX/XX/XXXX, not XX/XX/XXXX. I asked for a letter explaining what happened and they XXXX XXXX, mgr. said they couldn't do that. You can't get the corp number. just the address. XXXX gave me the name of the district mgr. and I will call him on Monday XX/XX/XXXX. I asked for an updated bank statement and she said she could not do that. This is horrible. where is my money.??? Please HelpXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. The bank replied to my claim and the claim mentioned " Upon receiving your request for assistance, we conducted a subsequent review of your denied fraud claim and confirmed our decision to deny your claim is accurate. A review of the transaction showed your log-in information was used and there were no signs of account takeover. This item posted as requested using the information provided at the time the transaction was made. Although your claim was denied, as part of our standard process, we sent a request to recover the funds from the receiving financial institution. Please know, the receiving institution is not obligated to return these funds or respond to our request. '' The above statement which says there we no signs of account takeover is completely wrong and I request bank to share the evidence by sharing the IP address and location from where my account was logged in. I have my evidence to share my location and also provide evidence that I didn't login and nor my account information was shared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
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: 2023-11-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a complaint with US Bank and the company responded by attaching an old letter from a different complaint, related to a different issue, dated with the old date, that was copied and pasted from the old problem, and therefore did not address my complaint. I suspect they will again do the same because they refused to close a core deposit account, the online banking teller told me they " lost '' my money. They submitted a research ticket and still could not find my " lost '' money after a month. When I filed my complaint about this, they uploaded a response to an old complaint, rather than the current actual complaint. I suspect they will do the same again. They are stealing money, and are not being held accountable, which is why they did not respond to my last complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97502
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have talked to US Bank on XXXX different occasions to get a release of lien letter for a lease that was satisfied in XXXX. The tracking number for the issue is XXXX. This started in XXXX and I have still not been able to get the requested information from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A