Date Received: 2023-10-30
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: Approximately XXXX XXXX XXXX XXXX, I got a new loan with a different mortgage company for a 2.75 % loan, was currently with US bank@ 4.75 %. at the time my wife had passed away from XXXX and the house was paid on time after fighting US bank to get it out of forbearance covid program, I paid up on 3 months @ 30 days they reported me late again @ 60 days, found this out through the mortgage lender on new loan my lender is the ex manager of US bank who did the loan with US bank he moved on to another lending company and I reached out to him when Interest rates were good, he did the new loan at a better interest rate but discovered US bank was reporting me late when I was not several conference calls with them and Underwriting, Lender, XXXX, Several times each month. they kept saying they were having problems with System Updates and were holding 3 months payments in a suspended account, while reporting me as late payments affecting my Credit Score, during all this time underwriting and the lender and myself in Conference calls kept asking for a letter of explanation they kept saying they would send months never sent letter. each time over months and multiple calls back and forth continued claiming system update issues sending a letter that never addressed the issue and reporting me late. held me hostage to them and would not meet the requests of underwriting to be able to pay them off. 6 months later I paid for a second appraisal to continue my new loan and continued weekly dealing with US Bank and the Issue with my new lender Explaining how he was a Manager at the time with US bank and was the one who did my loan with them at the time, and how easy it was to do. they kept claiming During this time system Updates were the Problem. to me this seems improper to hold me hostage to there loan at a higher interest rate reporting me late and should be considered hostile lending I suffered an Injury putting me out of work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX caught XXXX 3 times and went through XXXX XXXX XXXX XXXX XXXX XXXX. I was advised that I needed to file with CFPB was Told US bank Messed up. so now after moving on loosing 2.75 % loan I ran out of time on the Covid forbearance went back to US Bank to do mitigation and move forward they XXXX by phone a new loan saying they would notify me when complete and get payment info, said it would be 4 to 6 weeks before payment due. at about a month no one had contacted me so I called them to be treated rudely stating they tried to pull money out of my account I said no you don't have my banking info to do that said they did and there was no funds. they tried to pull funds from an account that had been closed old account in my deceased wife 's name and mine this account had been closed about a year at this time I explained they said they would reach out to me when it was time and no one even let me know it was complete or a due date and I'm the one calling you saying I could make 3 Payments then and there said no, had to reapply so have since applied approximately 7 times with a lot of hassle and denials claiming missing papers to sending letters stating all received then XXXX to 4 days latter saying again missing paper work denied, further would state needed death certificate again 5 times I personally took paperwork to the bank legal papers and all requested documents to claim missing death certificate again then I call and the person says no we have the death certificate were missing bank statements so I send those to receive a week later a denial again for missing doc 's multiple times same game. now the last 3 months per there advise have been using housing conslor 's and non profit as well as HAF and they all advised me after many more different Issues to seek legal and file with you as well as the non profit alliance setting me up with suggested legal help but they want {$21000.00} to pursue I would rather put what money I have towords my house but US bank keeps adding and wont except my offers, I formally am requesting an investigation and whatever the laws allow at this time in my defense, I feel I've been done very wrong and violations have been comited, my witnesses are XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and loss mtigation dept US BanK, and XXXX XXXX XXXX XXXX XXXX XXXX. both have highly recomended I file this coplaint... thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98626
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Synopsis/History : Back in XXXX XXXX my son had a fraud situation on his checking account-I was on the account with him ( although I never went into his account ) and they put a hold on the account for fraud while they investigated-this was understandable, but they also put a hold on all of the accounts that I was also a signer on ( 5 additional accounts ). I spent over 12 hours on the phone and at our local branch speaking with a personal banker and their online banking and fraud dept to get it all resolved-which finally happened in late XXXX. From late XXXX until XX/XX/XXXX, I was able to use my joint accounts with my husband with not an incident, deposits were made-bills were paid-transfers and XXXX went through without a problem. XX/XX/XXXX, XXXXMy husband went to transfer funds from his personal checking to our joint checking account and was told by the teller there was a hold on our joint account due to fraud from XXXXMy husband explained there was never any fraud on our accounts, only our son 's account, and it had all been resolved-so the teller took the hold off and she deposited {$2200.00} into that account. I also received a XXXX payment that day and a auto transfer from our daughters checking account for room & board. It also looked like our bill payments were going through as well, so I was not concerned. XX/XX/XXXX, XXXX go on my online account everyday and noticed that there was a past due notice on our mortgage payment ( also with USBank ) which I had set-up to pay on XXXXso I went on the mortgage side and the payment had disappeared. I then called US Bank Mortgage that evening and was told by the rep, that they tried to process the payment twice ( on the XXXX and the XXXX ) but it bounced back even though there was over {$4000.00} in the account on those 2 days. She told me it looked like there was a hold on the account on online banking side. I want to mention that USBank never contacted me via email or letter stating that they had put a hold on the account-my husband only was told by the teller on the XXXX, 5 days after the payment was made and rejected. So I called the fraud dept to find out why there was a hold and they would not give me any information but said I need to go to the branch to talk to a rep at the bank. XX/XX/XXXX, XXXX went online to set-up a phone call appt with the personal banker at our branch for Friday morning at XXXX XXXX. I received notice that the banker would call me at XXXX. XX/XX/XXXX, XXXX I was to speak with the banker, I went onto my online banking app-and got very upset when I noticed that the checking account in question that had over {$6800.00} in it, ( which should have been less if my bill payments were processed by US Bank ) disappeared from our list of accounts. I then received a notice via email that the withdrawal from that account got processed for $ XXXX-now I was in a panic! I again called the Online Bank dept at XXXX and the person I spoke with, kept telling me I needed to talk to the fraud liason center which would open in 1 hour. So I called the XXXX at XXXX and was told the account was closed-but they would not tell me why and when I asked them to transfer the funds into my other checking account they said to speak with the personal banker at XXXX ( via phone call ) to get more info. At this point, my husband and I decided to go to the branch at XXXX just in case we did not get the phone call. We sat in the car until XXXX and never got a call, so we went in and the personal banker and branch manager stated they were unaware of all of our issues but the personal banker who has always been very helpful and was that day as well took us to her desk and contacted other departments to find out what was going on. They told her they closed the account that morning and that a cashier 's check would be processed for the balance due after another review ( they said it would take 2 weeks ) -Our personal banker told them that their was never any fraud on this account and also asked why the mortgage payment never went through? They did not give her any information but told her we would have to open a new checking account. All of our accounts are at USBANK including savings, Mortgage and L/C and I needed to pay the mortgage which bounced but they did not give me access to our {$6800.00} so we had to transfer {$6000.00} from our Line of credit to cover the mortgage and to pay all of the bills that got returned or rejected by USBank ( even thought the funds were in the joint checking that they decided to close with out our consent our any prior notice. So now we have returned check fees to pay, interest on the line of credit since we had to borrow from to pay our bills, a late fee on our mortgage which I plan to dispute as well and fees to order new checks. We also have not received the payment of {$6800.00} which I believe should have been deposited into our joint savings account or the new account right away. If I had funds at another bank I would have never agreed to open another checking account with them but we both felt we had to do it since my husband 's social security check gets deposited into checking. I feel we have been taken advantage of and scammed by US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Did mobile banking deposit on XX/XX/XXXX for {$21000.00}. The system indicated funds would be available on XX/XX/XXXX. Funds were not available on XX/XX/XXXX. Went to a local branch and was told that the hold would be longer. I was told that the 24 hour banking system could help me and was given an XXXX number. I happened to received a letter, through US Postal later on XX/XX/XXXX, stating that the funds were being held longer because " we have information that leads us to believe that the check may not be paid. '' I called the 24 hour banking line to find out what information the bank had and to get the funds released. The 1st 2 attempts with the 24 hour banking people resulted in my being transferred back to the start of the online system. With 3rd attempt for online service, I was told there was no information in the system explaining why the hold was in place and that I needed to go to a branch. I was transferred back to the original branch I went to in the morning and told there was nothing they could do to release my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44012
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have an account with U.S. Bank and I was recently scammed a couple months ago. The day I was scammed by a fake loan company that used my bank information deposited a fake check and funds was withdrawn from my account without using my bank card. I filed a police report and went into the nearest us bank to my home and the branch manager said he called and emailed but took weeks to get back to me and Ive been calling us bank every other day and week asking for an update but my account is frozen. The branch manager said that there was nothing he could do and was no help at all and now my account is frozen with my hard earned money in my account that I would like back.. you can say the most recent deposits in my bank statements. This is all because I wanted to apply for a personal loan because I needed the money. Us bank is treating me like I deposited the fake check when Ive been a loyal consumer for almost XXXX years and never had an issue like this yet they still havent responded or just give me my money back and its going on 90 days .. just looking for some guidance or response. Ive been getting the run around since the beginning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear XXXX XXXX in XXXX XXXX at XXXX XXXX, Is XXXX XXXX a financial institution?? Clearly on the letter dated XX/XX/2023 you stated your company is a " member of the financial services industry ''. Furthermore, as defined in 15 USC 6809 ( 3 ) ( a ), ( Public Law 106-102, title V, 509, 113 Stat. 1443 ) The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. In congruent with you stating XXXX XXXX is a " member of the financial services industry '' and the definition of financial institution as congress prescribed, it is correct to say you are a financial institution that is governed by Federal Regulations, Federal Statues, and Federal Regulators. As a financial institution you are required to promptly process my opt out demand from my nonpublic personal information being disclosed to any and all nonaffiliated third parties. XXXX, are you suggesting that XXXX XXXX is illegally denying me my right to privacy and my right to opt out? Please seek legal guidance before responding to that question. Additionally, you mentioned the Fair Credit Reporting Act in your letter dated XX/XX/2023 but obviously havent read it in its entirety. In the Fair Credit Reporting Act, a financial institution is to provide me a clear and conspicuous written notice, advising me it will be reporting negative information to a consumer reporting agency. I never received a CLEAR AND CONSPICUOUS notice from XXXX XXXX of such activities. However, even if you did provide me of such notice, the Fair Credit Reporting Act states it DOES NOT require a financial institution to furnish negative information about a consumer to a consumer reporting agency! 15 USC 1681s-2 ( 7 ) ( E ). Please provide the legal statue that says reporting negative information on a consumer to a consumer reporting agency is required by law. There is no such statue. But there are many statues that point to my right to privacy, to my right to opt out to your duties as a furnisher of my information. You dont control my information ; CONGRESS GAVE ME THE RIGHT TO CONTROL MY OWN INFORMATION. Stop disclosing this account to all non-affiliated third parties including XXXX, XXXX and any other nonaffilated third parties that I am unaware of. THIS IS MY OPT OUT NOTICE, AS A FINANCIAL INSTITUTION YOU MUST COMPLY. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX a deposit of XXXX a week later attempting to pay bills I noticed it had cleared called.in to assured it would take 2-3 day, i found that somewhat odd but shock i was worried i figure put into saving an earn interest, so busy I hadn't went on Vacation returned XXXX was when told of suspect ion of Faud my account was frozen I was upset of course, then i ask question everyone got no answer, There was no fraud excessive overdraft nothing, I was told the Banks just didn't want to bank with me finally I received cashiers check in this month. I want answers .and make sure this bank doesnt smear my name. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I've made a product change from one credit card to the other to get 5 % cash back on some categories. Choose utilities for the 4th quarter of 2023. While I was on the phone with them ( on a very very very very loooong phone call... ) I was passed to the manager XXXX who assured me I was getting my 5 % for utilities purchases made during the period. The proper rewards never showed up in my account. A couple of weeks ago I called us bank again and was told once more the 5 % would show up anytime. Today I called them again and was disconnected after talking to the first attendant about the issue and waiting to talk to someone else for almost 10 minutes. It's almost a month now and the roughly {$30.00} that I was supposed to get from my almost {$600.00} utility purchases already made this quarter ( and fully paid off!!! ) appear in my account are not there yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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 had to leave an XXXX because of safety concerns, XXXX refused to refund me, I then called us bank to dispute it. They gave me provisional credit and claimed to have sent me a letter for additional information, but they did not, and then also took away the provisional credit. I had left the airbnb and contacted them right away to tell them about the safety concerns i had. XXXX refused to refund me even though i had to leave because it was not safe for me to be there. The total if the XXXX i got charged was {$2800.00}. I contacted XXXX and US bank both trying to work this out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85306
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: US Bank Business Checking Account Offer : I saw a banking offer for {$750.00} when depositing {$15000.00} and keeping the funds in the account for 60 days. I wasn't sure about the details, so before I've opened the account, I've called the bank and ask if the representative can look at my other account to see if I would qualify for this offer. I've had a relationship with US Bank with other credit cards for about 5 years. The representative looked at my accounts and confirmed that I would qualify for this promotional offer. I've opened this business checking account on XX/XX/23. After I've made the {$15000.00} on XX/XX/23 I've called again to verify that my account is set to receive the promotional offer in which the representative confirmed that my account would receive the {$750.00} bonus offer after 60 days. I have been informed that all calls are recorded when speaking with a US bank representative. And the manager can access these calls to verify the information spoken over the phone with the representative. After the 60 days were past, I've called in to see when they would deposit the promotional offer, and they've told me that I would not qualify. My complaint is that I've spoken with 2 representatives at the bank and they both told me that I would qualify for this promotional offer. I honestly was not sure if my account would qualify, so I've called to get this verification. Now they are refusing me of the offer after 60 days. Not 1 representative but 2 representative had informed me that I would qualify for this promotion. I kindly ask that you would please help me with this issue. XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/2023 I purchased the prepaid XXXX dollar gift card at XXXX XXXX after opening the card I saw that theres no cvv and theres also no chip on the card I contacted the company XXXXprepaid gift balance multiple times the first date I contacted them was on XX/XX/2023 and I was told to activate the account but you cant activate the prepaid card without a cvv, the next day I had called the company and had asked them if they can tell me the cvv number but I was told that they cant access that information. I was upset and stressed because I had experienced a scam without even activating the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A